CFPB · Diversified product mix
First Heritage Credit LLC
175 CFPB complaints · diversified mix (top product 29.1%) · top issue Communication tactics.
First Heritage Credit LLC: top product "Debt collection" is only 29.1% of 175 - multi-bucket mix. Timely 97.7% · relief 33.1%. Allegations, not findings.
- Diversified product mix
- +1600% filings 2013 to 2022
CFPB relief outcome brief
CCDB company first-heritage-credit-llc
33.1% relief · 97.7% timely · 175 filings · Debt collection
Same-product relief peers
Nearest relief peer: Merchants and Medical Credit Corporation, Inc. (33.4% relief)
First Heritage Credit LLC closes 33.1% with relief, above the 1.3% industry median among companies with ≥10 complaints. How CFPB response codes work →
Most of First Heritage Credit LLC's 175 filings include narrative text
43.4% carry a written consumer narrative, this ledger is unusually text-rich for a CFPB company page. Counts still add to the company's total filings; narrative presence is not a severity finding.
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
First Heritage Credit LLC complaint mix by product
- Debt collection 51 29.1% – 33% relief
- Payday loan, 44 25.1% – 32% relief
- Credit reporting, 41 23.4% – 24% relief
- Consumer Loan 35 20.0% – 49% relief
- Credit reporting 2 1.1% – 0% relief
- Payday loan 1 0.6% – 0% relief
- Mortgage 1 0.6% – 0% relief
How First Heritage Credit LLC's 175 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 51 |
| Payday loan, title loan, or personal loan | 44 |
| Credit reporting, credit repair services, or other personal consumer reports | 41 |
| Consumer Loan | 35 |
| Credit reporting | 2 |
| Payday loan | 1 |
| Mortgage | 1 |
Where First Heritage Credit LLC complaints are filed
Top states by attributed CFPB complaint volume for this company
- Leading state
- LA
- 31.4% of this company's filings
First Heritage Credit LLC rising annual filings
Annual filing volume from the CFPB public database
- 2022
- 17
- +1600% vs 2013
Top States
| State | Complaints |
|---|---|
| LA | 55 |
| TN | 39 |
| MS | 34 |
| AL | 14 |
| SC | 14 |
| TX | 5 |
| FL | 2 |
| VA | 2 |
| NJ | 1 |
| CA | 1 |
| MI | 1 |
| NC | 1 |
| DC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Communication tactics | 22 |
| Incorrect information on your report | 21 |
| Problems when you are unable to pay | 18 |
| Struggling to pay your loan | 16 |
| Improper use of your report | 16 |
| Managing the loan or lease | 10 |
| Problem when making payments | 9 |
| Problem with a credit reporting company's investigation into an existing problem | 9 |
| Attempts to collect debt not owed | 8 |
| Improper contact or sharing of info | 6 |
| Cont'd attempts collect debt not owed | 5 |
| Charged fees or interest you didn't expect | 5 |
| Taking out the loan or lease | 4 |
| Took or threatened to take negative or legal action | 4 |
| Getting the loan | 4 |
| Problem with the payoff process at the end of the loan | 3 |
| Disclosure verification of debt | 2 |
| Incorrect information on credit report | 2 |
| Written notification about debt | 2 |
| Problem with additional add-on products or services | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2014 | 13 | 100% |
| 2015 | 18 | 100% |
| 2016 | 19 | 100% |
| 2017 | 18 | 100% |
| 2018 | 17 | 100% |
| 2019 | 23 | 100% |
| 2020 | 24 | 100% |
| 2021 | 25 | 84% |
| 2022 | 17 | 100% |
Source: CFPB Consumer Complaint Database
First Heritage Credit LLC spreads across product buckets
First Heritage Credit LLC's 175 logged complaints stay concentrated: only 13 states show a filing. 43.4% of filings carry a written consumer narrative, an unusually well-documented record. Records run from 2013 through 2022-10-07.
First Heritage Credit LLC answers 97.7% of complaints inside the CFPB's tracked window and closes 66.9% with a written explanation. 33.1% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Communication tactics."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about First Heritage Credit LLC.
Compare beyond geography
Nationwide peers by volume & timely response
Two PlainComplaint-derived comparison paths for First Heritage Credit LLC: nearest filing volume and nearest CFPB timely-response rate among companies with at least 100 logged complaints. State breakdowns above stay geographic; these neighborhoods vary by metric.
Similar filing volume
Nearest companies by total CFPB complaints. This record: 175.
Similar timely response rate
Nearest companies by CFPB 15-day timely-response %. This record: 97.7%.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Data sourced from official public datasets for First Heritage Credit LLC (97.7% timely; 33.1% relief). methodology.
Retrieved and formatted by PlainComplaint · vintage June 2026 · Diversified product mix